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Author Credit rating/history
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
   6th Aug 06 at 11:28   View User's Profile U2U Member Reply With Quote
How do you check to see weather its good or bad? I cant remember what you have to do.

Basically i have an Egg card thats costing me too much in intrest and want to transfer the balance to a different card to get 0% on balance transfers so i can pay a bit more off.

I applied for a virgin card aaaaaages ago and got declined Am a little scared to apply for a 0% one now incase i get declined again.

Anyway to check? Can you do it online?
Jamescorsa97
Member
Registered: 19th Aug 04
Location: Middlesbrough Drives: Cliosport 182
User status: Offline
6th Aug 06 at 11:29   View User's Profile U2U Member Reply With Quote
Experian
bradgsi
Member
Registered: 12th Jun 06
Location: Leicester,E.Mids Drives: corsa GSi 16V
User status: Offline
6th Aug 06 at 11:32   View User's Profile U2U Member Reply With Quote
Search on the net there is a few sites or your bank will allow you to have a look for a small fee

Brad
Sam
Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline
6th Aug 06 at 12:40   View User's Profile U2U Member Reply With Quote
Jambeth, try http://www.checkmyfile.com it tells you for free what your credit score is like based on a few simple questions like where you live, your payment history for debts, etc. and recommends credit cards and loans suitable for your credit rating.

I've used it before and even with my shit credit rating I managed to get credit cards and that from the places they recommended.
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
6th Aug 06 at 14:44   View User's Profile U2U Member Reply With Quote
Cheers Sambo
ssj_kakarot
Member
Registered: 29th Apr 03
Location: hartlepool
User status: Offline
6th Aug 06 at 14:49   View User's Profile U2U Member Reply With Quote
bear in mind nearly all the places who offer 0% balance transfer charge an up front fee or around 2% of the balance you are wishing to transfer.

probs better than 18% odd your payng in intrest though.
Robin
Premium Member

Avatar

Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
6th Aug 06 at 14:55   View Garage View User's Profile U2U Member Reply With Quote
my credit rating is 637

[Edited on 06-08-2006 by robmarriott]
JadeM
Premium Member

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Registered: 9th Feb 06
User status: Offline
6th Aug 06 at 14:59   View Garage View User's Profile U2U Member Reply With Quote
Sam that free sites pish...I am registered with Experian who tell me I have an A1 credit rating while that tels me im middle of the road!!
Sam
Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline
6th Aug 06 at 15:06   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by robmarriott
my credit rating is 637


Mine's probably 0 now for certain reasons!
Liam
Member
Registered: 19th Jan 06
Location: Stafford
User status: Offline
6th Aug 06 at 15:09   View User's Profile U2U Member Reply With Quote
mine is 435 but im 17
JadeM
Premium Member

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Registered: 9th Feb 06
User status: Offline
6th Aug 06 at 15:09   View Garage View User's Profile U2U Member Reply With Quote
quote:
Originally posted by robmarriott
my credit rating is 637



So is mine according to them!!!

But then I have changed jobs, changed bank & cut up the credit card in the last 2 months!!

[Edited on 06-08-2006 by JadeM]
Robin
Premium Member

Avatar

Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
6th Aug 06 at 15:15   View Garage View User's Profile U2U Member Reply With Quote
i have no credit cards, i have a loan still, have been in my current job less than 6 months, erm... thats about it really
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
6th Aug 06 at 15:48   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by ssj_kakarot
bear in mind nearly all the places who offer 0% balance transfer charge an up front fee or around 2% of the balance you are wishing to transfer.

probs better than 18% odd your payng in intrest though.


Yup calculated this its only £36 so is alot better than the £24 a month im wasting, thats £288 a year
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
6th Aug 06 at 15:50   View User's Profile U2U Member Reply With Quote
753 3 stars

Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
6th Aug 06 at 16:02   View User's Profile U2U Member Reply With Quote
Going to bite the bullet!
Reedy
Member
Registered: 11th Apr 04
Location: Hammersmith
User status: Offline
6th Aug 06 at 16:06   View User's Profile U2U Member Reply With Quote
woo 759 3 stars. Get in there.
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
6th Aug 06 at 16:22   View User's Profile U2U Member Reply With Quote
Woooooooooo

Accepted Got a credit limit Double that of my other cards I must have done something right
Reedy
Member
Registered: 11th Apr 04
Location: Hammersmith
User status: Offline
6th Aug 06 at 16:24   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Jambo
Woooooooooo

Accepted Got a credit limit Double that of my other cards I must have done something right


Did you slip them some money, or did you just have a sexy voice on the phone that women cant say no to
BYRON
Member
Registered: 1st Jun 04
User status: Offline
6th Aug 06 at 16:25   View User's Profile U2U Member Reply With Quote
experian and equifax are the 2 main credit rating tools to use.
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
6th Aug 06 at 16:25   View User's Profile U2U Member Reply With Quote
I did it online, i talked dirty to the computer
Reedy
Member
Registered: 11th Apr 04
Location: Hammersmith
User status: Offline
6th Aug 06 at 16:32   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Jambo
I did it online, i talked dirty to the computer


was it full of porn
Sam
Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline
6th Aug 06 at 16:45   View User's Profile U2U Member Reply With Quote
Who is that with Jambo, and was it one of the suggested ones on that site I gave you the link to?
Jambo
Member
Registered: 8th Sep 01
Location: Maidenhead, Drives: VXR Arctic
User status: Offline
6th Aug 06 at 16:47   View User's Profile U2U Member Reply With Quote
Virgin sam.

I was going to apply to them earlier, but decided against.

your site thing reccomended it so i tried it
Sam
Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline
6th Aug 06 at 16:48   View User's Profile U2U Member Reply With Quote

 
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